New York Life and Health Insurance Cross Reference Study Guide This cross reference provides you with the exam outline for your state insurance exam and a reference code where the specific topics can be located in the Kaplan study material. The reference code numbers in the right hand column refer to the unit number and the applicable topic, subtopic, and sub-subtopics within that unit.
NEW YORK EXAMINATION CONTENT OUTLINES Effective February 1, 2012 LIFE, ACCIDENT, AND HEALTH INSURANCE AGENT/BROKER EXAMINATION 1.0 INSURANCE REGULATION 7% 1.1 Licensing Process (2103(d i)) Definitions Producer definition (2101(k)) Who should be licensed (2101(k)(1)) Home state (2101(l)) Negotiate (2101(m)) Sell (2101(n)) Solicit (2101(o)) Types of licensees Agents (2101(a, k); 2103); Reg 6, Part 22.2; Reg 7, Part 23.2 Brokers (2101(c, h, k); 2104) Consultants (2107) Adjusters (2101(g), 2108) Nonresident (2101(d, e); 2103(g)(5, 11); 2136) Business entities (2101(p), 2103(e)) Temporary (2109; Regs 9, 18, 29, Part 20.1) Maintenance and duration Renewal (2103(j); Reg 5, Part 21.2) Continuing education (2108, 2132) Assumed names (2102(f)) Change of address (all addresses, including email) 2134; Reg 5, Parts 21.4; Reg 6, Part 22.3; Reg 7, Part 23.4) Reporting of actions (2110(i)) Disciplinary actions Cease and desist order (2406) Hearings notice and process (2405, Financial Services 305) Suspension, revocation, and nonrenewal (2110) Penalties (2127) 1.2 State regulation Superintendent's general duties and powers (2404, Financial Services 201, 202, 301) Company regulation Certificate of authority (1102) Solvency (307) Unfair claim settlement practices (2601; Reg 64, Parts 216.3) Appointment of agent (2112(a c)) Termination of agent appointment (2112(d); Regs 9, 18, 29, Part 20.2) Unfair and prohibited practices Misrepresentation (2123; Reg 64, Part 216.3) False advertising (2603) Defamation of insurer (2604) Unfair discrimination (2606 2608, 2612) Rebating (2324) Licensee regulation Controlled business (2103(i)) Sharing commissions (2121, 2128) Fiduciary responsibility (2120; Regs 9, 18, 29, Parts 20.3, 20.4) License display (Reg 125, Part 34.5) Commissions and compensation (2102(e), 2114 2116, 2119; Regs 8, 19, 29, Part 20.6, 194, Part 30) Termination responsibilities of producer (2112) Examination of books and records (2404; Reg 152, Parts 243.0.3) Insurance Frauds Prevention Act (401 405, Financial Services 403-405) Consumer privacy regulation (Reg 169, Parts 420.0.24) Producer Compensation Transparency (Reg. 194, Parts 30.1 to 30.5) 1.3 Federal regulation 2.3.1 Fair Credit Reporting Act (15 USC 1681 1681d) 2.3.1.5 Fraud and false statements including 1033 waiver (18 USC 1033, 1034) 2.3.1.10 1
2.0 GENERAL INSURANCE 4% 2.1 Concepts 1.4 Risk management key terms Risk (pure and speculative) Exposure Hazard (physical, moral, morale) Peril Loss Methods of handling risk Avoidance Retention Sharing Reduction Transfer (by contractual liability or insurance contract) Elements of insurable risks Adverse selection 5.7 Law of large numbers Reinsurance 1.7.6 2.2 Insurers 1.7 Types of insurers Stock companies Mutual companies Fraternal benefit societies Lloyd s associations Private versus government insurers Admitted versus nonadmitted insurers 1.8.2 Domestic, foreign, and alien insurers 1.8.1 Financial status (independent rating services) 2.3.2.3.3 Marketing (distribution) systems 1.9 2.3 Agents and general rules of agency 3.3 Insurer as principal Agent/insurer relationship Authority and powers of agents Express Implied Apparent Responsibilities to the applicant/insured 2.4 Contracts 3.4 Elements of a legal contract Offer and acceptance Consideration Competent parties Legal purpose Characteristics of insurance contracts 3.5.2 Contract of adhesion Aleatory contract Personal contract Unilateral contract Conditional contract Legal concepts and interpretations affecting contracts 3.5.1 Reasonable expectations Indemnity 1.5.1 Utmost good faith 3.5.2.1 Representations/Misrepresentations 3.5.2.7, 3.5.2.9 Warranties 3.5.2.7 Rescission Concealment 3.5.2.9 Fraud 3.5.2.10 Waiver and estoppels 3.3.6 3.0 LIFE INSURANCE BASICS 8% 3.1 Insurable interest (3205) 1.4.5, 3.2 Personal uses of life insurance 6.2.7, 6.4.1 2
Survivor protection Estate creation Cash accumulation Liquidity Estate conservation 3.3 Determining amount of personal life insurance 6.2 Human life value approach Needs approach Types of information gathered Determining lump-sum needs Planning for income needs 3.4 Business uses of life insurance 6.4.2 Buy-sell funding Key person Executive bonuses Business continuation 3.5 Differences in life insurance policies 8.2, 8.5.4 (table) Group versus individual 8.2, 13.2 Permanent versus term 8.3, 8.3.3, 8.3.4, 8.4 Participating versus nonparticipating 1.7.1, 1.7.2 Fixed versus variable life 8.5.2.3, 12.7, 12.8 Regulation of variable products (SEC, FINRA and New York) (4240; Reg 47, Part 50.3; Reg 77, Part 54.3) 8.5.2.3, 3.6 Factors in premium determination 4.6 Mortality Investment return Expense Mode of premium 17.3.3 3.7 Licensee responsibilities 7.9.2, 17.7.2 Solicitation and sales presentations Advertising (2122) Life Insurance Company Guaranty Corporation (7718) Policy summary (3209; Reg 74, Part 53-2.2) Buyer's guide (3209; Reg 74, Part 53-2.6) Suitability Illustrations (Reg 74, Parts 53-3.1.6) Life insurance policy cost comparison methods 6.3, Replacement (2123(a) 4.4.5, 7.7.1, (2, 3); Reg 60, Parts 51.1.8) Use and disclosure of insurance information 2.3.1.4.1 Use of Senior-Specific Certifications and Professional Designations in the Sale of Life Insurance and Annuities (Reg 199) Field underwriting 4.4.4 Application procedures including backdating of policies (3208) Delivery 3.3.7, 7.5 Policy review 7.5.3 Effective date of coverage 7.5.4 Premium collection 3.3.5 Statement of good health 7.3.1.1 Amendments 7.3.5 3.8 Individual underwriting by the insurer 4.4 Information sources and regulation Application Agent report Attending physician statement Investigative consumer(inspection) report Medical Information Bureau (MIB) Medical examinations and lab tests including HIV (2611) Selection criteria and unfair discrimination 3
Classification of risks 4.5 Preferred Standard Substandard Declined 4.0 LIFE INSURANCE POLICIES 8% 4.1 Term life insurance 8.3 Level term Renewable term Convertible term Level premium term Increasing and decreasing term Return of premium term 10.3.6 4.2 Whole life insurance 8.4 Continuous premium (straight life) Limited payment Single premium Modified premium whole life 4.3 Flexible premium policies 8.5 Adjustable life Universal life 4.4 Specialized policies 8.8 Joint life (first-to-die) Survivorship life (second-to-die) Life insurance on minors (3207b) Fixed (equity) indexed life 4.5 Group life insurance 13.2, 13.3 Characteristics of group plans Types of plan sponsors 5.4, 13.3 Group underwriting requirements 5.6 Conversion to individual policy (3220) 13.8, 4.6 Credit life insurance (individual versus group) 8.7, 21.5.3 5.0 LIFE INSURANCE POLICY PROVISIONS, OPTIONS AND RIDERS 10% 5.1 Required provisions (3203) 9.3.1 9.3.17, Ownership Assignment Entire contract (3203(a)(4), 3204) Right to examine (free look) (3203(a)(11)) Payment of premiums Grace period (3203(a)(1)) Reinstatement (3203(a)(10)) Incontestability (3203(a)(3)) Misstatement of age (3203(a)(5)) Exclusions (3203(b, c)) Statements of the applicant (3204) 3.5.2.7, Proof of death 5.2 Beneficiaries 9.3.18 Designation options Individuals Classes (per stirpes/per capita) Estates Minors Trusts Succession Revocable versus irrevocable Common disaster clause 5.3 Settlement options 11.3 Cash payment Interest only 4
Fixed-period installments Fixed-amount installments Life income Single life Joint and survivor Spendthrift clause 9.3.18.9 5.4 Nonforfeiture options 11.4 Cash surrender value Extended term Reduced paid-up insurance 5.5 Policy loan and withdrawal options 9.3.7.1, 9.3.9 Policy loans 9.3.9 Automatic premium loans 9.3.7.1 Withdrawals or partial surrenders 9.3.9.1 5.6 Dividend options 11.7 Cash payment Reduction of premium payments Accumulation at interest One-year term option Paid-up additions 5.7 Disability riders 10.3.2 Waiver of premium Waiver of cost of insurance Disability income benefit 10.3.3 Payor benefit life/disability (juvenile insurance) 10.3.4 5.8 Accelerated (living) benefit provisions/riders (3230) 10.3.11, Conditions for payment Effect on death benefit 5.9 Riders covering additional insureds 10.3.9 and 8.8.1.3 Spouse/other-insured term rider Children's term rider Family term rider 5.10 Riders affecting the death benefit amount 10.3.11.1 Accidental death 10.3.1 Guaranteed insurability 10.3.5 Cost of living 10.3.8 Return of premium 10.3.6 Term rider 8.8.1.2 and 8.8.1.3 6.0 ANNUITIES 7% 6.1 Annuity principles and concepts 12.2 Accumulation period versus annuity period 12.3.1, 12.3.2 Owner, annuitant and beneficiary 12.2.1, 12.3.4 Insurance aspects of annuities 12.3 6.2 Required provisions (3219, 4220, 4223) 6.3 Immediate versus deferred annuities 12.4 Single premium immediate annuities (SPIAs) Deferred annuities Premium payment options 12.6 Nonforfeiture 12.3.3 Surrender and withdrawal charges 12.3.3 Death benefits 12.5 6.4 Annuity (benefit) payment options 12.3, 12.9 Life contingency options 12.9 Pure life versus life with guaranteed minimum 12.9 Single life versus multiple life 12.9 Annuities certain (types) 12.9 5
6.5 Annuity products 12.7, 12.8 Fixed annuities 12.7 General account assets Interest rate guarantees (minimum versus current) Level benefit payment amount Fixed (equity) indexed annuities 12.13 Differences in variable annuity products and licensing requirements 12.8 6.6 Personal uses of annuities 12.2 Tax-deferred growth 12.2.5 Retirement income 12.2.1 Guaranteed Minimum Withdrawal Benefit (GMWB) Education funds 6.7 Suitability in Annuity Transactions (Reg 187) 7.0 FEDERAL TAX CONSIDERATIONS FOR LIFE INSURANCE AND ANNUITIES 1% 7.1 Taxation of personal life insurance 14.12.1 Amounts available to policyowner Cash value increases Dividends Policy loans Surrenders Amounts received by beneficiary Settlement options Values included in insured's estate 7.2 Rollovers and transfers (IRAs and qualified plans) 15.15.1 7.3 Section 1035 exchanges 14.19 8.0 QUALIFIED PLANS 1% 8.1 General requirements 15.2 Defined contribution vs. defined benefit plans 8.2 Federal tax considerations 15.15 Tax advantages for employers and employees Taxation of distributions (age-related) 8.3 Plan types, characteristics, and purchasers 15.2 Self-employed plans (Keogh plans) 15.10 8.4 Section 529 plan characteristics (college savings programs) 15.12 9.0 LIFE SETTLEMENT 5% 9.1 Definitions (7802) Life Settlement contract (7802(k)(1)(2)(3)) Life Settlement Broker (7802(j), 2101(v)) Life Settlement Intermediary (7802(l)) Life Settlement Provider (7802(m)) Business of Life Settlement (7802 (c)(1)) Compensation (7802 (d)(1)) Financing entity (7802(e)(1) & (2) Financing transaction (7802(f)) Owner (7802(n)) Qualified Institutional Buyer (7802(r)) Life expectancy (7802(i)) 9.2 Broker License Requirements (2137; 2102(a)(1)) 9.3 Intermediary Registration Requirements (7804(a); 7804(b)(2)) 9.4 Provider License Requirements (7803(b)) 6
9.5 Fingerprinting Requirements (2137(d)(2); (7803(a)) 9.6 Advertising (7809) 9.7 Privacy (7810) HIPAA Personal & Financial information privacy 9.8 Disclosure to owners and insureds (7811) Owners disclosures (7811)(a) Brokers Commissions and other Compensations disclosures (2119(e)) Broker disclosure of offers, counteroffers, acceptances & rejections (7811(c)) Insured disclosures (7811(b)) Right of Rescission Disclosure (7811, 7813) 9.9 Life Insurance Applications (7812) 9.10 Prohibited Practices (7814) 9.11 Stranger-originated life insurance (7815) Insurable interest provisions Trust owned policies 9.12 Penalties and civil remedies (7816) 9.13 Applicability and choice of law (7819) 9.14 General rules (7813) Two year prohibition Exceptions to the two year prohibition Contacts with the insured 10.0 ACCIDENT AND HEALTH INSURANCE BASICS 5% 10.1 Definitions of perils 1.4.2 Accidental injury 19.3.12 Sickness 19.3.12 10.2 Principal types of losses and benefits 16.3 Loss of income from disability Hospital and medical expense Long-term care expense 10.3 Classes of accident and health insurance coverage 16.5 Individual, sole proprietor, franchise, and group Private versus government Limited versus comprehensive 10.4 Limited policies 16.3.6, 21.4 Limited benefits and amounts Required notice to insured Types of limited policies Accident-only Specified (dread) disease Hospital indemnity (income) Dental insurance 21.3 Diagnostic and preventive care Scheduled benefits Credit disability Prescription drugs 16.3.7 Vision care 16.3.8 10.5 Common exclusions from coverage 18.5.7 Act of war Participation in a felony Preexisting condition 18.5.8 Self-inflicted injuries Workers compensation 7
10.6 Licensee responsibilities in individual accident and health insurance 17.7 Marketing requirements 2.3.2.5, 22.5.10 Advertising (Reg 34, Parts 215.1.18) Sales presentations Outline of coverage 2.3.2.5 Application procedures Requirements at delivery of policy 7.5 10.7 Considerations in replacing accident and health insurance 4.4.5, 17.6 Benefits, limitations, and exclusions Licensee liability for errors and omissions 3.3.9 Gap in coverage 17.6 10.8 Community rating of policies (4317; Reg 145, Part360) 22.5.9, 11.0 INDIVIDUAL HEALTH INSURANCE POLICY GENERAL PROVISIONS 4% 11.1 Required provisions 18.3, Entire contract; changes (3216(d)(1)(A)) Time limit on certain defenses (3216(d)(1)(B)) Grace period (3216(d)(1)(C)) Reinstatement (3216(d)(1)(D)) Claim procedures (3216(d)(1)(E I)) Legal actions (3216(d)(1)(K)) Change of beneficiary (3216(d)(1)(L)) 11.2 Other provisions 18.4, Misstatement of age (3216(d)(2)(B)) Other insurance in this insurer (3216(d)(2)(C)) Insurance with other insurers Expense-incurred basis (3216(d)(2)(D)) Other benefits (3216(d)(2)(E)) Unpaid premium (3216(d)(2)(G)) Cancellation (3216(d)(2)(H)) Conformity with state statutes (3216(d)(2)(I)) Illegal occupation (3216(d)(2)(J)) Intoxicants and narcotics (3216(d)(2)(K)) 11.3 Other general provisions 18.5, Right to examine (free look) Insuring clause Consideration clause Renewability clause (3216(g)) Noncancelable Guaranteed renewable 12.0 DISABILITY INCOME AND RELATED INSURANCE 5% 12.1 Qualifying for disability benefits 19.3.4 Inability to perform duties Own occupation 19.3.4.1 Any occupation 19.3.4.2 Presumptive disability 19.3.5 Proof of loss 18.3.7 12.2 Individual disability income insurance 19.3 Basic total disability plan Income benefits Elimination and benefit periods Waiver of premium feature 19.7.11 Coordination of benefits 19.7.5, 1.9.7.6 Individual premium consideration 25.4 Additional monthly benefit (AMB) 19.7.7 Social insurance supplement (SIS) 19.7.6 Occupational versus Nonoccupational coverage 19.3.4.5 8
Noncancelable (3216(d)(2)(H)) Guaranteed renewability Other provisions affecting income benefits 19.7.13 Cost of living adjustment (COLA) rider 19.7.3 Future increase option (FIO) rider 19.7.2 Relation of earnings to insurance (3216(d)(2)(F)) Other benefits 19.7 Accidental death and dismemberment 19.7.12 Rehabilitation benefit 19.7.1 Medical reimbursement benefit (nondisabling injury) 19.7.10 Partial disability benefit 19.3.6 Residual disability benefit 19.3.7 Total disability benefit 19.3.4 24-hour coverage vs. limited/at work coverage 19.3.4.5 Exclusions 19.6 12.3 Group disability income insurance Group versus individual plans 25.3.2 Short-term disability (STD) 19.5.1 Long-term disability (LTD) 19.5.2 12.4 Business disability insurance Key person disability income 19.8.2 Disability buy-sell policy 19.8.3 Business overhead expense policy 19.8.1 13.0 MEDICAL PLANS 7% 13.1 Medical plan concepts 16.5 Fee-for-service basis versus prepaid basis 16.6, 16.5.3.4.4 Specified coverages versus comprehensive care 20.3, 20.4 Benefit schedule versus usual/reasonable/customary charges 20.3.2.2 Any provider versus limited choice of providers 16.3.3 Insureds versus subscribers/participants 16.3.3 13.2 Types of plans 20.1 Basic hospital, basic medical, basic surgical (Reg 62, Parts 52.5, 52.6, 52.7) 20.3, Characteristics Common limitations Exclusions from coverage Provisions affecting cost to insureds Major medical insurance (indemnity plans) 20.4 Characteristics Common limitations Exclusions from coverage Provisions affecting cost to insured Health Maintenance Organizations (HMOs) 16.5.3 General characteristics Preventive care services (4303(j)) Primary care physician (PCP) Referral (specialty) physician Emergency care Hospital services Other basic services Preferred provider organizations (PPOs) and point-of-service (POS) plans 16.6, 16.7 General characteristics In-network and out-of-network provider access Primary care physician (PCP) referral Indemnity plan features 13.3 Cost containment in health care delivery 18.5.10 Utilization review (Art. 49) Also see Law Supplement Prospective review Concurrent review Retrospective review 13.4 New York mandated benefits and offers (individual and/or group) Dependent child age limit (3216(a)(4); 4235(f)(1)(2)) 9
Policy extension for handicapped children (3216(c)(4)(A)) Newborn child coverage (3216(c)(4)(C)) Timothy s law Infertility 13.5 HIPAA (Health Insurance Portability and Accountability Act) requirements 22.5.1 Eligibility Guaranteed issue Pre-existing conditions (3232) Creditable coverage (3232-a) Renewability Policy protections 13.6 Federal Patient Protection and Affordable Care Act (rolling implementation dates) 16.14 Preexisting conditions Insurance exchanges Annual and lifetime dollar limits 14.0 LONG-TERM CARE (LTC) INSURANCE 10% 14.1 Benefits 24.8, 24.9 LTC, Medicare and Medicaid compared 24.6 Eligibility for benefits 24.9.1 Levels of care 24.8, 24.9 Skilled care Intermediate care Custodial care Types of care Home health care 24.9.9 Adult day care 24.9.10 Respite care 24.9.8 Nursing home facility care 24.3 Assisted living Also 16.5 Benefit periods 24.9.13 Benefit amounts 24.9.12 Optional benefits 24.13 Reimbursement vs. indemnity/cash 24.9.12 Inflation protection (COLA) (Reg 62, Parts 52.25(c)(3)) 24.13.1, Nonforfeiture benefits (Reg 62, Part 52.25(c)(7)) 24.13.2, Guarantee of insurability 19.7.2 Return of premium 19.7.13, Shared care Individual, group, and association plans 25.3.2, 24.7 Qualified LTC plans 24.11 Exclusions (Reg 62, Part 52.25(b)(2)) 24.9.14, Underwriting considerations 24.9.324.7 Suitability 3.3.5 14.2 New York regulations and required provisions Renewability (Reg 62, Part 52.25(b)(1)) Required disclosure provisions (Reg 62, Part 52.65) Prohibited practices Replacement (Reg 62, Part 52.29) New York State Partnership for Long Term Care (Reg 144, Part 39.0) Dollar for dollar or time element Medicaid Estate Recovery Act (OBRA '93) New York tax credit 15.0. GROUP HEALTH AND BLANKET INSURANCE 6% 15.1 Characteristics of group insurance 22.6 Group contract 5.10.2.8 Certificate of coverage 5.10.2.8 Experience rating versus community rating 22.5.9 Definition of eligible group (4235 (b)(c)) 10
15.2 Types of eligible groups (4235) 5.4, 16.5.3.5 Employment-related groups Individual employer groups 5.4 Multiple Employer Trusts (METs) or Welfare Arrangements (MEWAs) 16.8.11, 16.8.12 Taft-Hartley Trusts 5.4 Associations (alumni, professional, and other) 5.4, 16.9.2 Customer groups (depositors, creditor-debtor, and others) 5.4, 16.9.2 Blanket customer groups (teams, passengers, and others) 16.9.1 15.3 Regulation of employer group insurance plans 22.5 Employee Retirement Income Security Act (ERISA) Applicability Fiduciary responsibilities Reporting and disclosure Family Medical Leave Act (FMLA) Age Discrimination in Employment Act (ADEA) Applicability to employers and workers Permitted reductions in insured benefits Permitted increases in employee contributions Requirements for medical expense coverage Civil Rights Act/Pregnancy Discrimination Act Applicability Guidelines Relationship with Medicare Medicare secondary rules 23.8 Also Law Supplement Medicare carve-outs and supplements 23.5.1 Nondiscrimination rules (highly compensated) Also Law Supplement 15.4 Types of funding and administration 5.11, 16.8 Conventional fully-insured plans Partially self-funded plans 16.8.1 Stop-loss coverage 16.8.1 Administrative-services only (ASO) arrangements 16.8.1 501(c) (9) trust 15.5 Marketing considerations 2.3.2.5 Advertising Regulatory jurisdiction/place of delivery 15.6 Employer group health insurance 5.4 Insurer underwriting criteria 5.6 Characteristics of group Plan design factors Persistency factors Administrative capability Eligibility for coverage 5.9 Annual open enrollment 16.5.3.7.3 Employee eligibility 5.10.2.4 Dependent eligibility 22.5.2.2 Coordination of benefits provision (Reg 62, Part 52.23) Change of insurers or loss of coverage 22.5 Coinsurance and deductible carryover 20.4.3.1 No-loss no-gain 17.6 Events that terminate coverage 22.5.2.1 Extension of benefits 22.5.10 22.4.3, Continuation of coverage under COBRA and New York continuations 22.5.2 Conversion privilege (3221(e)) 22.4.1, 15.7 Small employer medical plans 16.8.3 Definition of small employer (Reg 145, Part 360.2(f)) Benefit plans offered Availability of coverage (Reg 145, Parts 360.2(e),.3) Renewability (Reg 145, Part 360.2(e)) 11
16.0 GOVERNMENT HEALTH INSURANCE PLANS 6% 16.1 Workers compensation 23.12 Eligibility Benefits 16.2 Social Security Disability 23.10 Qualifications for disability benefits Definition of disability Waiting period Disability income benefits 16.3 New York State Disability Benefits Law Purpose Definitions Employment covered Benefits 16.4 Medicaid 23.9 Eligibility Benefits Child Health Plus Eligibility and benefits Family Health Plus Eligibility and benefits 16.5 Medicare 23.3 Nature, financing, and administration Part A Hospital Insurance 23.4.2, 23.4.3 Individual eligibility requirements Enrollment Coverages and cost-sharing amounts Part B Medical Insurance 23.4.4, 23.4.5 Individual eligibility requirements Enrollment Coverages and cost-sharing amounts Exclusions Claims terminology and other key terms Medicare Select (Reg 62, Part 52.14) 23.5.2.1 Part C Medicare Advantage 23.6 Part D Prescription Drug Insurance 23.7 16.6 Healthy New York (4326) 16.7 Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) 16.8.6, 16.8.8 Definition Eligibility Contribution Limits 17.0 PRIVATE INSURANCE FOR SENIOR CITIZENS AND SPECIAL NEEDS INDIVIDUALS 6% 17.1 Medicare supplements 23.5 Purpose Open enrollment (Reg 62, Part 52.22(k)) Standardized Medicare supplement plans Core benefits Additional benefits New York regulations and required provisions Standards for marketing (Reg 62, Part 52.22(i)) Permitted compensation arrangements (Reg 62, Part 52.22(h)) Appropriateness of recommended purchase or replacement (Reg 62, Part 52.22(f)(4)) Replacement (Reg 62, Part 52.22(f, g)) Disclosure statement (Reg 62, Part 52.63) Renewability (Reg 62, Part 52.22(b)(1)(i)) 12
17.2 Other Medicare options for individuals 23.8 Disabled individuals Individuals with kidney failure Employer group health plans Employees age 65 or older 13